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2. (b) The deposit, or any part thereof, may, at the option of the city, • be applied on any obligation the consumer may owe the city in connection with city gas. Until the account of such consumer with the city shall be closed out, the deposit shall be kept unimpaired. When the account is closed out, the balance, if any, shall be returned to the consumer or his personal representative or assigns. (c) The director of finance and city manager are authorized to enter into agreements with responsible organizations to provide for a guaranty of the account of individuals meeting established criteria, in lieu of such deposit, in an amount equal to the deposit which would otherwise have been required, provided such agreement in their judgment provides the city with substantially equivalent security. Section 12-10.1. Delinquent accounts; finance charge; termination of service. (a) All bills for gas service and other charges rendered pursuant to this chapter shall be payable upon presentation, and shall be considered to be in arrears if not paid prior to the rendering of the next monthly billing. Any amount for which payment has not been received within thirty days of the initial billing shall be subject to the imposition of a finance • charge of one percent per month for each month until payment is made. (b) Payments received,on any account shall be first applied to the amount of any unpaid finance charge, then to amounts in arrears reducing the oldest charges first, then to current billings. (c) In addition to the finance charge imposed under subsection (b), the director of finance may order the termination of service to any customer whose account remains in arrears more than ten days after such customer has been mailed a final notice, which notice shall plainly indicate that service may be terminated if payment is not made. Section 12-10.2. Charqe for bad checks. Any customer whose check for payment of his account or any portion thereof is returned by the financial institution on which drawn for insufficient funds shall be subject to a charge of five dollars, which charge shall be added to and become a Part of the account of such customer. Section 12-11. Charge for restoring service. For turning gas on again after it has been cut off for nonpayment, there shall be a charge of twe-dellars- five dollars, payable in advance. •